The typical owner-occupied home in Fluvanna is worth about $51,200, 82% below the Texas median of $283,800 and 85% below the national median of $332,700. Owners pay a median $1,060 a year in property taxes, about 2.07% of their home's value, higher than the Texas rate of 1.49%. The median household earns $67,115 a year, so the median home costs 0.8 times the median income (3.6 times for Texas). 100% of occupied homes here are lived in by their owners, and 0% of those owners still have a mortgage.
Fluvanna at a glance
| Fluvanna | Texas | U.S. | |
|---|---|---|---|
| Median home value | $51,200 | $283,800 | $332,700 |
| Median property tax paid per year | $1,060 | $4,232 | $3,119 |
| Property tax as a share of value | 2.07% | 1.49% | 0.94% |
| Median household income | $67,115 | $78,476 | $80,734 |
| Homes lived in by their owners | 100% | 63% | 65% |
| Owner homes with a mortgage | 0% | 56% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,106 | $1,963 |
| Median rent | – | $1,403 | $1,413 |
| Median year homes were built | 1959 | 1992 | 1980 |
| Vacant homes | 0.0% | 9.4% | 10.1% |
| Population | 130 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Fluvanna
At this week's average 30-year rate of 7.11%, buying the median Fluvanna home of $51,200 with 20% down costs about $385 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $470, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $16,508 for the 20%-down payment. That payment is 7% of the median Fluvanna household income of $67,115; at that income and 20% down, the 28% guideline points to a home of about $208,000.
| Down payment | $10,240 |
|---|---|
| Loan amount | $40,960 |
| Principal and interest | $276 |
| Property taxes (2.07% a year) | $88 |
| Homeowners insurance (our estimate, 0.5% a year) | $21 |
| PMI | $0 |
| Total per month | $385 |
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| Down payment | $1,792 |
|---|---|
| Loan amount | $50,273 |
| Principal and interest | $338 |
| Property taxes (2.07% a year) | $88 |
| Homeowners insurance (our estimate, 0.5% a year) | $21 |
| FHA mortgage insurance | $23 |
| Total per month | $470 |
Change the numbers in the calculator
Questions about home buying in Fluvanna
What is the median home value in Fluvanna?
About $51,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Fluvanna?
Homeowners pay a median $1,060 a year, which is about 2.07% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Fluvanna?
For the median home with 20% down at 7.11%, the payment is about $385 a month. Keeping that under 28% of gross income takes about $16,508 a year.
More about Fluvanna
- Mortgage Refinance in Fluvanna
- Debt Relief in Fluvanna
- Home Equity Loans in Fluvanna
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data